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Pay your Affinity loan or credit card

Conveniently pay your mortgage, credit card, auto or personal loan with your Affinity account, or use one of the alternative options listed below.

Pay with your Affinity checking or savings account

Need a simple way to pay? If you have an Affinity checking or savings account, transferring funds to pay your loan is easy. Just sign in to your Online Banking account and use the 'Pay & Transfer' option.


Don't bank with Affinity?

Make a one-time payment

Use a non-Affinity account to make a one-time payment for your Affinity credit card or loan.

(There is a $4.99 convenience fee for using this service.)

Avoid the convenience fee

Sign up for Online Banking. Plus, set up recurring payments, get alerts, and view payment history.

Sign up for Online Banking

(You will need your social security and member number.)

Other ways you can pay.

Pay via phone

You can make a one-time payment via phone from your checking or savings account.1

To pay by phone, please call 855.208.5086
Para español 855.208.5087

Pay via check

Mail your loan payment to:
PO Box 70100
Newark, NJ 07101-0070

Alternatively, you can drop off at any Affinity branch

Having trouble making your payment?

At Affinity, we offer a range of resources to help you manage financial hardship, including credit counseling services, loan payment support, and free on-demand education.

Learn More

How can I pay off my loan?

Paying off your loan can help you save money on interest payments over time and improve your financial wellbeing by reducing your debt burden and increasing your financial flexibility.

Personal and Debt Consolidation Loans

  • Pay off loan using an Affinity Account:
    • Log in to Online or Mobile Banking.
    • Navigate to Pay & Transfer   >   Internal Transfers
    • Select the From account, the Loan you want to pay off, and then under "I want to" select Pay in full and close (for mobile app, it will be Type of payment).
  • Pay off loan using a non-Affinity Account:
    • Please call Affinity to speak with one of our Member Service representatives

Auto Loans, Mortgages, and Home Equity Line of Credit:

  • Please call Affinity to speak with one of our Member Service representatives or use Secure Messaging within Online and Mobile Banking.

To access Secure Messaging

  • Online Banking: Log in   >   More   >   Contact Us   >   Secure Email & FAQs   >   + New Message
  • Mobile Banking App: Log in   >   More   >   Contact Us   >   Secure Email & FAQs   >   + New Message
How can I change my payment due date?

Log in to Online or Mobile Banking, and navigate to:

Self-Service Center   >   Request Center   >   Loan Service Request   >   Loan Due Date Change

Please note, the following applies:

  • Loan(s) must be current.
  • The request can be submitted by any signer/borrower on the loan.
  • Only one due date change is allowed within a 12-month period.
  • Your current payment is still due on the original due date you see on your most recent statement. Your new due date will start on the next billing cycle and will appear on your next statement.
  • Lines of Credit, Credit Cards, Mortgages, Business Loans, and Lease Loans are not eligible.
Why has my payment increased?
  • Auto loans:
    • Collateral Protection Insurance was added for lack of submitting insurance coverage. You can provide your proof of insurance by asking your insurance provider to fax the Declaration Page to 800.713.0259 for Auto or 800.713.0256 for Homeowner/Hazard Insurance. You can email the insurance verification to docsend@fmq.alliedsolutions.net. If you have other questions, please call our Insurance Service Center at 800.998.0763. You may be entitled to a refund of the force placed insurance with your proof of insurance.
    • Interest rate adjustment because title has not been submitted with AFCU as lienholder within 90 days of financing
  • Mortgages:
    • There was a change in escrow amount due to property tax adjustment or insurance adjustment.
  • All loans:
    • Late fees added
    • Variable interest rate adjustment
How do I request a payoff letter for my loan?

Log in to Online or Mobile Banking, and navigate to:

Self-Service Center   >   Request Center   >   Loan Service Request   >   Payoff - Consumer/Mortgage Loans   >   Select Loan   >   Select Date   >   Print/View Letter

View All Payment FAQs

Set up recurring payments

Bid farewell to the stress of remembering to pay your Affinity credit card or loan each month!

1 Log in to Online Banking

2 Select Pay & Transfer   >   Internal Transfers

3 Complete Form and Select Repeat Transfer

4 Click Make Transfer to Save

Log in to the Mobile Banking App

Select Pay & Transfer   >   Internal Transfers

Select Schedule   >   Schedule a Transfer

Complete Form and Click Schedule to Save


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1Payments made via phone Monday-Saturday after 8:00 p.m. EST, Sunday, or on federal holidays will be processed the next business day. Partial payments to a mortgage or payments to a past due loan may be posted on the next business day.